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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $110,377 | $138,075-20.1% | $123,552-10.7% | $135,379-18.5% |
| Participation rate | 69.6% | 84.7%-15.2pp | 82.3%-12.7pp | 82.6%-13.1pp |
| Annual return | -5.20% | 153.70%-158.9pp | 119.20%-124.4pp | 519.79%-525.0pp |
| Employer contribution / active EE | $2,346 | $5,152-54.5% | $4,628-49.3% | $4,779-50.9% |
| Participant deferral / active EE | $6,196 | $6,800-8.9% | $6,426-3.6% | $5,609+10.5% |
| Admin fee / account holder | $11,379 | $10,917+4.2% | $9,285+22.6% | $10,828+5.1% |